Wealth Management
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki
Investment Management Services
Asset Management
Fee Based Vs. Commission | Investment Options | Proactive Recommendations | Transparent Reporting
Financial Planning
Financial planning is offered as an optional standalone service or as an integrated part of your wealth management.
Insurance Planning
Term, Whole, Universal, and Variable Universal Life Insurance | Disability Insurance | Long Term Care insurance | Annuities
We are different because
A client of mine is a client for life. I’ve built relationships throughout time and still have many of my clients from when I started my career in 1998. I have witnessed my clients children graduate college using 529 plans I helped them setup when they were babies. I have helped clients transition from working to retirement and setup income plans. I do multi-generational planning and work not only with clients, but their parents, siblings, children, and grandchildren. My goal is to be a family’s trusted advisor and educate everyone in an easy-to-understand manner, so they can grasp personal finance and use those concepts to pursue their financial objectives.
I employ a proactive approach to help my clients and design customized strategies as no one approach fits everyone. In addition, being part of the G5 Financial Group has many advantages as the majority of the advisors have over 20+ years of experience in the industry. We also have a dedicated compliance officer that reviews all transactions to make sure they are in a clients best interest at all times to meet our fiduciary duty. As a client, you can expect a high level of service as almost all phone calls and emails are answered personally by me within 24 hours. Clients also have access to text me should a quick need arise.
How to Select a financial advisor
In this day and age, it’s easy to use the internet and search for a local “Financial Advisor”. However, not all financial professionals are created equal and they come with different titles, licenses, education, levels of oversight, and available investment products that the public should be aware of. Financial Professionals that hold a Series 65 license are known as Investment Advisor Representatives and have a legal requirement to act as a “Fiduciary” on behalf of their clients. Financial Advisors, such as myself, that have earned the Certified Financial Planner (CFP) designation have committed to further education across a broad range of financial planning, retirement, tax and investment topics. The CFP designation imposes an ethical fiduciary standard of care for all financial advice, not just investment advice. In addition, a financial advisor that holds the CFP designation has taken a professional oath to act as a fiduciary with their clients at all times. If a financial professional is NOT a fiduciary, they have the obligation to follow a specific standard of conduct, but are not held to the Fiduciary Standard. To find out, simply ask the financial professional or check their website.
Resources + Tips for Success
Financial Articles
It Will Come Back…
“It will come back” is a phrase I have heard many times during my 21+ years as a Wealth Manager. I am referring to people who own a stock that has fallen substantially in value and they don’t want to sell it. But will it really come back? And what is the cost of...
Is Your Pension Safe?
Pensions are getting rare, but several of my clients have them and it is important to know how safe they are and if you can rely on the income for the future. The basics of a pension are quite simple: your company puts money into a pension plan each year to pay for...
Tax Changes That Affect Retirement
The recent tax bill known as the Tax Cuts and Jobs Act has not only slashed corporate tax rates and attempted to put more money in the pockets of working Americans, but has also made some big changes to retirement planning. First off, anything in the tax code that has...